Method and device for processing loan secured by digital assets

Abstract

The present invention relates to a method and device for processing a loan secured by digital assets such as cryptocurrency. Particularly, the present invention relates to a method and device for processing a loan of an amount in a second currency type secured by an amount in a first currency type stored in a cryptocurrency wallet and the like in a cryptocurrency exchange. The present invention can provide a method and device which can minimize the risk of principal loss, by means of a principal withdrawal secured by a cryptocurrency balance in a wallet generated in a cryptocurrency exchange, and conveniently and quickly process a collateral loan by lending additional cryptocurrency with respect to a predetermined rate of an amount of cryptocurrency owned by a user.

What is claimed is: 
     
         1 . A method of operating a loan system including one or more loan-related servers, each of which includes a memory, at least one processor, and a transceiver, the method comprising:
 receiving, from one or more cryptocurrency exchange servers or a terminal of a user, a loan request message including identification information of the user, balance information about a cryptocurrency balance in at least one first currency type in one or more cryptocurrency wallets in one or more cryptocurrency exchanges of the user, a security, which is smaller than or equal to the cryptocurrency balance, in the first currency type, and loan information about a requested loan amount in a second currency type;   checking the cryptocurrency balance in the one or more cryptocurrency wallets in the one or more cryptocurrency exchanges of the user from the one or more cryptocurrency exchange servers on the basis of the identification information and the balance information;   performing a lock procedure for addresses of the one or more cryptocurrency wallets;   receiving, from the one or more cryptocurrency exchange servers, a trading volume of the at least one first currency type in the one or more cryptocurrency exchanges, a total holding of the at least one first currency type in the one or more cryptocurrency exchanges, market capitalization of the at least one first currency type, and exchange currency information about a transaction share of the at least one first currency type in the one or more cryptocurrency exchanges;   determining an exchange grade for each of the one or more cryptocurrency exchanges and a currency grade for each of the at least one first currency type on the basis of the exchange currency information, wherein the exchange grade is determined to be higher when the trading volume of the at least one first currency type in the one or more cryptocurrency exchanges, the total holding of the at least one first currency type in the one or more cryptocurrency exchanges, and the transaction share of the at least one first currency type in the one or more cryptocurrency exchanges are higher, and the currency grade is determined to be higher when the trading volume of the at least one first currency type in the one or more cryptocurrency exchanges and the market capitalization of the at least one first currency type are higher;   determining a collateral rate and a recovery rate differently for each of the one or more cryptocurrency exchanges on the basis of the exchange grade and the currency grade wherein the collateral rate is a value between 0% and 100% as a ratio of a pre-loan cash value of the requested loan amount in the second currency type to a pre-loan cash value of the security in the at least one first currency type, the recovery rate is a value between the collateral rate and 100% as a ratio of a post-loan cash value of the requested loan amount in the second currency type to a post-loan cash value of the security, which is collateral of the loan, in the at least one first currency type, and the collateral rate and the recovery rate are determined to be higher when the exchange grade and the currency grade are higher;   determining approval of the loan on the basis of the balance information about the one or more cryptocurrency wallets and the collateral rate in the one or more cryptocurrency exchanges of the user when a loanable amount of the second currency type is greater than or equal to the requested loan amount in the second currency type wherein the loanable amount is an amount of the second currency type corresponding to a cash value of a product of the security in the at least one first currency type and the collateral rate;   when the approval of the loan is determined, transferring the requested loan amount in the second currency type from a cryptocurrency loan wallet of the loan system to a set loan cryptocurrency wallet of the user to provide the loan;   periodically monitoring market prices of the first currency type and the second currency type from the one or more cryptocurrency exchange servers after providing the loan, and determining a ratio of the cash value of the requested loan amount in the second currency type to the cash value of the security in the at least one first currency type;   when the ratio of the post-loan cash value of the requested loan amount in the second currency type to the post-loan cash value of the security in the at least one first currency type reaches the recovery rate, checking the security in the one or more locked cryptocurrency wallets in the one or more cryptocurrency exchanges of the user from the one or more cryptocurrency exchange servers;   withdrawing an amount of the at least one first currency type corresponding to the cash value of the requested loan amount in the second currency type from the security in the at least one first currency type in the one or more cryptocurrency wallets in the one or more cryptocurrency exchanges; and   performing an unlock procedure for the addresses of the one or more cryptocurrency wallets.   
     
     
         2 . The method of  claim 1 ,
 wherein the loan system comprises an application server, an approval server, and a loan server,   the receiving of the loan request message, the checking of the cryptocurrency balance, and the performing of the lock procedure for the security are performed by the application server,   the receiving of the exchange information, the determining of the exchange grade and the currency grade, the determining of the collateral rate and the recovery rate, and the determining of the approval of the loan are performed by the approval server,   the providing of the loan is performed by the loan server, and   the application server, the approval server, and the loan server are connected to each other.   
     
     
         3 . The method of  claim 1 ,
 wherein the loan system comprises a price server, a liquidation confirmation server, a liquidation withdrawal server, and an unlock server,   the monitoring of the market prices of the first currency type and the second currency type and the determining of the ratio of the cash value of the requested loan amount to the cash value of the security are performed by the price server,   the checking of the security in the one or more locked cryptocurrency wallets in the one or more cryptocurrency exchanges of the user from the one or more cryptocurrency exchange servers is performed by the liquidation confirmation server,   the withdrawing of the amount of first currency corresponding to the cash value of the requested loan amount from the security in the one or more cryptocurrency wallets in the one or more cryptocurrency exchanges is performed by the liquidation withdrawal server,   the performing of the unlock procedure for the one or more cryptocurrency wallets is performed by the unlock server, and   the price server, the liquidation confirmation server, the liquidation withdrawal server, and the unlock server are connected to each other.   
     
     
         4 . The method of  claim 1 ,
 further comprising, after the providing of the loan, withdrawing an amount corresponding to interest of an interest rate, which is set for an amount corresponding to the cash value of the requested loan amount in the second currency type at a time point of providing the loan, from the one or more cryptocurrency wallets in the one or more cryptocurrency exchanges of the user or the set loan cryptocurrency wallet of the user every set period of time.   
     
     
         5 . The method of  claim 3 ,
 wherein, when an error occurs in operations of the price server, the liquidation confirmation server, the liquidation withdrawal server, and the unlock server, the operations are manually processed.   
     
     
         6 . The method of  claim 1 ,
 wherein the performing of the lock procedure for the addresses of the one or more cryptocurrency wallets comprises:   transmitting a lock request message including the identification information of the user, approval information for the loan request message, and lock request information for the addresses of the one or more cryptocurrency wallets in the one or more cryptocurrency exchanges to the one or more cryptocurrency exchange servers; and   receiving a lock completion message including lock completion information for the addresses of the one or more cryptocurrency wallets from the one or more cryptocurrency exchange servers.   
     
     
         7 . The method of  claim 1 ,
 wherein the set loan cryptocurrency wallet includes at least one of a cryptocurrency wallet of the user in the one or more cryptocurrency exchange servers, a cryptocurrency custody of the user, and a cryptocurrency wallet of the user, and   the loan request message additionally includes information on the set loan cryptocurrency wallet.   
     
     
         8 . The method of  claim 1 ,
 wherein the receiving of the loan request message from the one or more cryptocurrency exchange servers or the terminal of the user comprises receiving, by the plurality of cryptocurrency wallets in the plurality of cryptocurrency exchanges of the user, the loan request message from the terminal of the user.   
     
     
         9 . A loan system including one or more loan-related servers, wherein each of the one or more loan-related servers comprises a memory, at least one processor, and a transceiver, and
 the at least one processor of each of the one or more loan-related servers is configured to perform the method of  claim 1 .   
     
     
         10 . A computer program configured to perform the method of  claim 1  and recorded on a computer-readable recording medium.